How Do You Know When We Are In A Financial Bubble?
by Dale Maley
Price: $2.99 USD. 3180 words.
Published on December 29, 2011. Nonfiction.
Financial bubbles have been occurring for hundreds of years. Most of us have lived through the Tech Wreck of 2000 and the Sub-Prime Crash of 2008. This short story examines and identifies the common characteristics of financial bubbles. Reading this short story might help you identify the next time we find ourselves in a financial bubble.
Location: United States
Member Since: July 05, 2010
Dale Maley
Biography
Dale C. Maley is the author of the 19999 book Index Mutual Funds: How to Simplify Your Financial Life and Beat the Pros.
He is also a contributing author to Chapter 18 Seeking Help from Professionals in the 2009 book The Bogleheads Guide to Retirement Planning.
He is a very successful private investor who has been a student of Financial Planning and Investing for over 30 years. He was trained as an engineer at the University of Illinois and has been a practicing engineer for 32 years. His accomplishments as an engineer include the granting of 16 U.S. Patents and authorship of over 500 professional technical papers. He is also a member of the International Society of Automotive Engineers and the Society of Manufacturing Engineers.
He also has earned an MBA (Masters Degree in Business Administration) degree from Illinois State University. His background in mathematics, engineering, and business provides him with the excellent basis for understanding and teaching investments and financial planning.
He is also a very successful investor who has been investing in common stocks and mutual funds since 1980. He has also personally invested in both 401(K) and IRA plans, so he is familiar with participation and management of these types of investments. He has been investing in indexed common stock mutual funds since 1990.
Dale became a Registered Financial Advisor in the State of Illinois in 2006 and is currently launching his business as a fee-only financial planner. He is President of Maley Financial Planning LLC.
He is also a contributing author to Chapter 18 Seeking Help from Professionals in the 2009 book The Bogleheads Guide to Retirement Planning.
He is a very successful private investor who has been a student of Financial Planning and Investing for over 30 years. He was trained as an engineer at the University of Illinois and has been a practicing engineer for 32 years. His accomplishments as an engineer include the granting of 16 U.S. Patents and authorship of over 500 professional technical papers. He is also a member of the International Society of Automotive Engineers and the Society of Manufacturing Engineers.
He also has earned an MBA (Masters Degree in Business Administration) degree from Illinois State University. His background in mathematics, engineering, and business provides him with the excellent basis for understanding and teaching investments and financial planning.
He is also a very successful investor who has been investing in common stocks and mutual funds since 1980. He has also personally invested in both 401(K) and IRA plans, so he is familiar with participation and management of these types of investments. He has been investing in indexed common stock mutual funds since 1990.
Dale became a Registered Financial Advisor in the State of Illinois in 2006 and is currently launching his business as a fee-only financial planner. He is President of Maley Financial Planning LLC.
Where to find Dale Maley online
Website: http://dalemaley.webs.com/
Where to buy in print
Books
Who Are The Bogleheads And Should You Become One?
by Dale Maley
Price: $2.99 USD. 6860 words. Published on November 20, 2011. Nonfiction.
Bogleheads are people who are very interested in investing. They meet and share their ideas about investing and personal finance on their online forum. Over half of the Bogleheads are already millionaires. After reading this short story about the Bogleheads, you may decide to improve your own financial situation by joining their online forum.
Price: $2.99 USD. 6860 words. Published on November 20, 2011. Nonfiction.
Bogleheads are people who are very interested in investing. They meet and share their ideas about investing and personal finance on their online forum. Over half of the Bogleheads are already millionaires. After reading this short story about the Bogleheads, you may decide to improve your own financial situation by joining their online forum.
Can Hoover Dam’s Design Principles Help Us Solve the Retirement Income Problem?
by Dale Maley
Price: $2.99 USD. 4520 words. Published on November 15, 2011. Nonfiction.
One of their biggest challenges for retirees is making a retirement portfolio last during retirement. This is a challenge because of the fluctuating nature of future stock market returns. This short story compares Hoover Dam’s design to the retirement portfolio income problem. After reading this short story, you will gain a new appreciation for your own retirement income solution.
Price: $2.99 USD. 4520 words. Published on November 15, 2011. Nonfiction.
One of their biggest challenges for retirees is making a retirement portfolio last during retirement. This is a challenge because of the fluctuating nature of future stock market returns. This short story compares Hoover Dam’s design to the retirement portfolio income problem. After reading this short story, you will gain a new appreciation for your own retirement income solution.
My Journey of Digitizing 50 Year Old Family Slides
by Dale Maley
Price: $2.99 USD. 2900 words. Published on June 11, 2011. Nonfiction.
Millions of American families used slides to capture their family memories in the 1960s. These slides are now 50 years old. They are gradually decaying and their precious images will soon be lost forever. This short story chronicles my journey of digitizing 50 year old family slides. Reading this short story will help you decide on how to best preserve your family memories.
Price: $2.99 USD. 2900 words. Published on June 11, 2011. Nonfiction.
Millions of American families used slides to capture their family memories in the 1960s. These slides are now 50 years old. They are gradually decaying and their precious images will soon be lost forever. This short story chronicles my journey of digitizing 50 year old family slides. Reading this short story will help you decide on how to best preserve your family memories.
What Is The Optimum Method to Convert a Retirement Portfolio Into Income?
by Dale Maley
Price: $2.99 USD. 6830 words. Published on May 29, 2011. Nonfiction.
What is the optimum method of converting your retirement portfolio into cash during retirement? This short story explores several alternative methods for converting a retirement portfolio into cash. Reading this short story will allow you to make your own well-informed decision on how to optimize the conversion of your retirement portfolio.
Price: $2.99 USD. 6830 words. Published on May 29, 2011. Nonfiction.
What is the optimum method of converting your retirement portfolio into cash during retirement? This short story explores several alternative methods for converting a retirement portfolio into cash. Reading this short story will allow you to make your own well-informed decision on how to optimize the conversion of your retirement portfolio.
How Can I Retire If I Am 62 and Broke?
by Dale Maley
Price: $2.99 USD. 3410 words. Published on May 16, 2011. Nonfiction.
Most retirement books assume you have time to save and accumulate money or you already have a significant net worth. This short story explores the options available to people reaching retirement age who are broke. After reading this short story, you will be able to make your own well-informed decision on how to optimize your chances of being able to retire.
Price: $2.99 USD. 3410 words. Published on May 16, 2011. Nonfiction.
Most retirement books assume you have time to save and accumulate money or you already have a significant net worth. This short story explores the options available to people reaching retirement age who are broke. After reading this short story, you will be able to make your own well-informed decision on how to optimize your chances of being able to retire.
Fire Your Over-Priced Financial Advisor and Retire Sooner
by Dale Maley
Price: $2.99 USD. 2990 words. Published on May 14, 2011. Nonfiction.
Many Baby Boomers want to retire now. If they have chosen a high-priced financial advisor, their retirement date may be delayed indefinitely. After reading this short story, you will be able to make your own well-informed decision on how to optimize investment and financial planning fees so you can retire sooner.
Price: $2.99 USD. 2990 words. Published on May 14, 2011. Nonfiction.
Many Baby Boomers want to retire now. If they have chosen a high-priced financial advisor, their retirement date may be delayed indefinitely. After reading this short story, you will be able to make your own well-informed decision on how to optimize investment and financial planning fees so you can retire sooner.
Are 529 Plans Really the Best Way to Save for College?
by Dale Maley
Price: $2.99 USD. 8380 words. Published on April 15, 2011. Nonfiction.
Before the advent of 529 plans, UGMA accounts were the principal method of saving for college. When state administered 529 plans were created by Congress in 1996, conventional wisdom said they were the new preferred method for college savings. Now many states are perilously close to bankruptcy and have closed their 529 plans. It is time to revisit the college savings method decision.
Price: $2.99 USD. 8380 words. Published on April 15, 2011. Nonfiction.
Before the advent of 529 plans, UGMA accounts were the principal method of saving for college. When state administered 529 plans were created by Congress in 1996, conventional wisdom said they were the new preferred method for college savings. Now many states are perilously close to bankruptcy and have closed their 529 plans. It is time to revisit the college savings method decision.
Be Very Wary of Equity Indexed Annuities
by Dale Maley
Price: $2.99 USD. 9300 words. Published on March 17, 2011. Nonfiction.
78 million Baby Boomers start to turn age 65 in 2011. Many of these Boomers will be seeking investments that have low risk and high returns. Equity indexed annuities are promoted as low risk investments with high returns. This short story explores the complexities and hidden costs of equity indexed annuities.
Price: $2.99 USD. 9300 words. Published on March 17, 2011. Nonfiction.
78 million Baby Boomers start to turn age 65 in 2011. Many of these Boomers will be seeking investments that have low risk and high returns. Equity indexed annuities are promoted as low risk investments with high returns. This short story explores the complexities and hidden costs of equity indexed annuities.
How Do I Estimate Retirement Living Expenses?
by Dale Maley
Price: $2.99 USD. 3280 words. Published on February 14, 2011. Nonfiction.
78 million Baby Boomers start to turn age 65 in the year 2011. A key factor in planning for retirement is the required spending level during retirement. Retirement spending drives the size of nest egg required to retire. This short story will give you enough information to make your own well-informed estimate of your retirement expenses.
Price: $2.99 USD. 3280 words. Published on February 14, 2011. Nonfiction.
78 million Baby Boomers start to turn age 65 in the year 2011. A key factor in planning for retirement is the required spending level during retirement. Retirement spending drives the size of nest egg required to retire. This short story will give you enough information to make your own well-informed estimate of your retirement expenses.
How Do I Select the Correct Risk Level for My Portfolio?
by Dale Maley
Price: $2.99 USD. 4100 words. Published on February 5, 2011. Nonfiction.
One of the key decisions an investor has to make is what level of portfolio risk to assume. This short story explores the issue of portfolio risk and asset allocation. After reading this short story, you will have enough information to make your own well-informed asset allocation decision.
Price: $2.99 USD. 4100 words. Published on February 5, 2011. Nonfiction.
One of the key decisions an investor has to make is what level of portfolio risk to assume. This short story explores the issue of portfolio risk and asset allocation. After reading this short story, you will have enough information to make your own well-informed asset allocation decision.
How to Cut the Cost of Your Auto and Homeowner's Insurance
by Dale Maley
Price: $2.99 USD. 3150 words. Published on January 22, 2011. Nonfiction.
Most people hate dealing with insurance because it is boring, wastes your precious time, and involves dealing with insurance salesmen. This short story outlines how to lower your insurance cost while minimizing the amount of your personal time spent. After reading this short story, you will know how to quickly and easily lower your annual insurance costs.
Price: $2.99 USD. 3150 words. Published on January 22, 2011. Nonfiction.
Most people hate dealing with insurance because it is boring, wastes your precious time, and involves dealing with insurance salesmen. This short story outlines how to lower your insurance cost while minimizing the amount of your personal time spent. After reading this short story, you will know how to quickly and easily lower your annual insurance costs.
How to Read Your Way to Financial Wealth
by Dale Maley
Price: $2.99 USD. 4770 words. Published on January 17, 2011. Nonfiction.
This story provides a process map or flow chart for the entire financial planning process. Each process step in the flow chart then becomes a separate chapter. For each chapter, a list of the best books, articles, and short stories are given so you can explore each step in more detail. This short story will give you a process for improving your financial wealth.
Price: $2.99 USD. 4770 words. Published on January 17, 2011. Nonfiction.
This story provides a process map or flow chart for the entire financial planning process. Each process step in the flow chart then becomes a separate chapter. For each chapter, a list of the best books, articles, and short stories are given so you can explore each step in more detail. This short story will give you a process for improving your financial wealth.
How to Save and Invest for Retirement
by Dale Maley
Price: $2.99 USD. 8040 words. Published on January 2, 2011. Nonfiction.
This short story explains the basic concepts of financial planning and provides a conceptual roadmap for planning your retirement. By using a conceptual roadmap approach, you can quickly grasp the general concepts of retirement planning in a very short amount of reading time.
Price: $2.99 USD. 8040 words. Published on January 2, 2011. Nonfiction.
This short story explains the basic concepts of financial planning and provides a conceptual roadmap for planning your retirement. By using a conceptual roadmap approach, you can quickly grasp the general concepts of retirement planning in a very short amount of reading time.
Do I Need Long-Term Disability Insurance?
by Dale Maley
Price: $2.99 USD. 5950 words. Published on January 1, 2011. Nonfiction.
Americans have a 30% chance of incurring a long-term disability during their working career. This short story explores the use of long-term disability insurance to protect against this potential loss of income. After you read this story, you will have enough information to make your own well informed decision regarding long-term disability insurance.
Price: $2.99 USD. 5950 words. Published on January 1, 2011. Nonfiction.
Americans have a 30% chance of incurring a long-term disability during their working career. This short story explores the use of long-term disability insurance to protect against this potential loss of income. After you read this story, you will have enough information to make your own well informed decision regarding long-term disability insurance.
Do I Need Long-Term Care Insurance?
by Dale Maley
Price: $2.98 USD. 12480 words. Published on December 14, 2010. Nonfiction.
The wave of 78 million Baby Boomers start to turn age 65 in 2011. Many of them will have to decide whether or not to purchase long-term care insurance. This short story explores the subject of long-term care insurance. After reading this story, you should be able to make your own well informed decision regarding long-term care planning and funding.
Price: $2.98 USD. 12480 words. Published on December 14, 2010. Nonfiction.
The wave of 78 million Baby Boomers start to turn age 65 in 2011. Many of them will have to decide whether or not to purchase long-term care insurance. This short story explores the subject of long-term care insurance. After reading this story, you should be able to make your own well informed decision regarding long-term care planning and funding.
How Do I Design My Own Financial Plan?
by Dale Maley
Price: $2.98 USD. 5840 words. Published on November 27, 2010. Nonfiction.
Many Americans have long-term financial goals including paying for their children’s college or their own retirement. Studies have shown you are more likely to achieve your goals if you write them down. This short story shows how to develop your own personal financial plan. It includes a template that you can modify to fit your needs.
Price: $2.98 USD. 5840 words. Published on November 27, 2010. Nonfiction.
Many Americans have long-term financial goals including paying for their children’s college or their own retirement. Studies have shown you are more likely to achieve your goals if you write them down. This short story shows how to develop your own personal financial plan. It includes a template that you can modify to fit your needs.
Do I Need a Letter of Instruction for My Heirs?
by Dale Maley
Price: $2.98 USD. 3170 words. Published on November 19, 2010. Nonfiction.
Millions of American Baby Boomers are reaching retirement age. Many of them have set up estate plans using either wills or trusts. One additional document that can save their heirs a great deal of time is a Letter of Instruction. This short story explores how writing a Letter of Instruction can greatly ease the burden on your heirs of settling your estate.
Price: $2.98 USD. 3170 words. Published on November 19, 2010. Nonfiction.
Millions of American Baby Boomers are reaching retirement age. Many of them have set up estate plans using either wills or trusts. One additional document that can save their heirs a great deal of time is a Letter of Instruction. This short story explores how writing a Letter of Instruction can greatly ease the burden on your heirs of settling your estate.
Do I Need an Investment Policy Statement?
by Dale Maley
Price: $0.99 USD. 2070 words. Published on November 14, 2010. Nonfiction.
Millions of Americans are saving and investing in an effort to fulfill their long term goals including college education for their children and retirement. One proven method of increasing the probability of achieving your goals is to put them in writing. This short story explores how writing an Investment Policy Statement can help you meet your financial goals.
Price: $0.99 USD. 2070 words. Published on November 14, 2010. Nonfiction.
Millions of Americans are saving and investing in an effort to fulfill their long term goals including college education for their children and retirement. One proven method of increasing the probability of achieving your goals is to put them in writing. This short story explores how writing an Investment Policy Statement can help you meet your financial goals.
Contribute to My Bad 401K or Go Taxable?
by Dale Maley
Price: $2.98 USD. 3980 words. Published on November 10, 2010. Nonfiction.
Millions of Americans are stuck with poor 401K plans. These 401K plans have low employer matching ratios and very high annual expenses. At some point, it becomes better to simply invest in low cost index funds in a taxable account versus using the poor 401K. This story explores this problem and the trade-offs between a poor 401K and a taxable account.
Price: $2.98 USD. 3980 words. Published on November 10, 2010. Nonfiction.
Millions of Americans are stuck with poor 401K plans. These 401K plans have low employer matching ratios and very high annual expenses. At some point, it becomes better to simply invest in low cost index funds in a taxable account versus using the poor 401K. This story explores this problem and the trade-offs between a poor 401K and a taxable account.
How Do I Maximize Retirement Income From My Portfolio?
by Dale Maley
Price: $2.98 USD. 4240 words. Published on October 16, 2010. Nonfiction.
Conventional financial planning wisdom assumes that retirees can withdraw a maximum of an inflation adjusted 4% of their retirement portfolio every year. Some recent research indicates the 4% safe withdrawal rate rule can be increased by following some decision based rules. This short story explores this recent research and illustrates how to maximize the income from a retirement portfolio.
Price: $2.98 USD. 4240 words. Published on October 16, 2010. Nonfiction.
Conventional financial planning wisdom assumes that retirees can withdraw a maximum of an inflation adjusted 4% of their retirement portfolio every year. Some recent research indicates the 4% safe withdrawal rate rule can be increased by following some decision based rules. This short story explores this recent research and illustrates how to maximize the income from a retirement portfolio.
Is Saving 10% of My Gross Income Good Enough?
by Dale Maley
Price: $2.98 USD. 4930 words. Published on October 4, 2010. Nonfiction.
The old financial planning rule-of-thumb is to save 10% of gross income. With the demise of traditional pension plans and Social Security on shaky financial ground, it is time to revisit the 10% rule-of-thumb. This short story explores the 10% rule-of-thumb and updates it for the 21st Century. You will learn the correct target for your own personal savings rate.
Price: $2.98 USD. 4930 words. Published on October 4, 2010. Nonfiction.
The old financial planning rule-of-thumb is to save 10% of gross income. With the demise of traditional pension plans and Social Security on shaky financial ground, it is time to revisit the 10% rule-of-thumb. This short story explores the 10% rule-of-thumb and updates it for the 21st Century. You will learn the correct target for your own personal savings rate.
How Does My Asset Allocation Compare to Everyone Else?
by Dale Maley
Price: $2.98 USD. 3350 words. Published on September 14, 2010. Nonfiction.
The most critical decision involved with your retirement portfolio is the correct asset allocation. This short story reveals the actual asset allocation used by Americans as a function of age group. You can compare your age and your asset allocation with similar age groups and see how you compare.
Price: $2.98 USD. 3350 words. Published on September 14, 2010. Nonfiction.
The most critical decision involved with your retirement portfolio is the correct asset allocation. This short story reveals the actual asset allocation used by Americans as a function of age group. You can compare your age and your asset allocation with similar age groups and see how you compare.
Should I Pay Off My Mortgage Early?
by Dale Maley
Price: $2.99 USD. 6310 words. Published on September 9, 2010. Nonfiction.
Younger homeowners often wonder if they should pay off their mortgage early. The 76 million Baby Boomers heading into retirement also face the key question on whether or not pay off their mortgage early. Financial experts differ in opinion on the mortgage early pay off decision. This short story explores the many aspects of the mortgage early pay off decision.
Price: $2.99 USD. 6310 words. Published on September 9, 2010. Nonfiction.
Younger homeowners often wonder if they should pay off their mortgage early. The 76 million Baby Boomers heading into retirement also face the key question on whether or not pay off their mortgage early. Financial experts differ in opinion on the mortgage early pay off decision. This short story explores the many aspects of the mortgage early pay off decision.
Are Black Swans Really Harmful to Ordinary Investors?
by Dale Maley
Price: $2.99 USD. 4860 words. Published on August 29, 2010. Nonfiction.
Nassim Nicholas Taleb popularized the term Black Swan through his books and interviews. Taleb’s Black Swan Theory refers only to unexpected events of large magnitude and consequence and their dominant role in history. This short story explores whether or not Black Swan events are really important to ordinary Main Street investors versus Wall Street traders.
Price: $2.99 USD. 4860 words. Published on August 29, 2010. Nonfiction.
Nassim Nicholas Taleb popularized the term Black Swan through his books and interviews. Taleb’s Black Swan Theory refers only to unexpected events of large magnitude and consequence and their dominant role in history. This short story explores whether or not Black Swan events are really important to ordinary Main Street investors versus Wall Street traders.
Should My Asset Allocation Include My Pension and Social Security?
by Dale Maley
Price: $2.99 USD. 4730 words. Published on August 22, 2010. Nonfiction.
Many Americans are saving and investing for retirement. One of the key steps in investing is to determine an asset allocation that meets your specific situation. This short story explains whether or not you should include the present value of your pension and Social Security as bonds in your asset allocation plan.
Price: $2.99 USD. 4730 words. Published on August 22, 2010. Nonfiction.
Many Americans are saving and investing for retirement. One of the key steps in investing is to determine an asset allocation that meets your specific situation. This short story explains whether or not you should include the present value of your pension and Social Security as bonds in your asset allocation plan.
Do I Need Umbrella Insurance?
by Dale Maley
Price: $2.99 USD. 4510 words. Published on August 14, 2010. Nonfiction.
Many Americans work hard and live below their means so they can grow their wealth through saving and investing. Unfortunately, the U.S. has 50% of the world's lawyers. Umbrella insurance is an easy way to protect your hard earned wealth from lawsuits. This short story explains umbrella insurance including how much umbrella insurance you should have.
Price: $2.99 USD. 4510 words. Published on August 14, 2010. Nonfiction.
Many Americans work hard and live below their means so they can grow their wealth through saving and investing. Unfortunately, the U.S. has 50% of the world's lawyers. Umbrella insurance is an easy way to protect your hard earned wealth from lawsuits. This short story explains umbrella insurance including how much umbrella insurance you should have.
Got My First Job and How Do I Handle the 401K?
by Dale Maley
Price: $2.99 USD. 2220 words. Published on July 11, 2010. Nonfiction.
Many high school or college graduates start work and run into a 401K for the first time. This short story explains the very basics of 401Ks. This story will help new workers to understand the basic concepts of 401K investing.
Price: $2.99 USD. 2220 words. Published on July 11, 2010. Nonfiction.
Many high school or college graduates start work and run into a 401K for the first time. This short story explains the very basics of 401Ks. This story will help new workers to understand the basic concepts of 401K investing.
How to Use Psychology to Achieve Your Financial Goals
by Dale Maley
Price: $2.99 USD. 5810 words. Published on July 11, 2010. Nonfiction.
Up until about 30 years ago, economists assumed that humans were perfectly rational in their decision making. Subsequent research has proven that we are anything but rational with respect to financial decisions. This short story explains how you can use psychology to help achieve your personal financial goals.
Price: $2.99 USD. 5810 words. Published on July 11, 2010. Nonfiction.
Up until about 30 years ago, economists assumed that humans were perfectly rational in their decision making. Subsequent research has proven that we are anything but rational with respect to financial decisions. This short story explains how you can use psychology to help achieve your personal financial goals.
Why We Don't Save Enough for Retirement and How You Can Save More
by Dale Maley
Price: $2.99 USD. 5980 words. Published on July 11, 2010. Nonfiction.
Many Americans are struggling with how to save more for retirement. This short story explores several methods for saving more for retirement.
Price: $2.99 USD. 5980 words. Published on July 11, 2010. Nonfiction.
Many Americans are struggling with how to save more for retirement. This short story explores several methods for saving more for retirement.
Index Mutual Funds: How to Simplify Your Financial Life and Beat the Pros
by Dale Maley
Price: $4.95 USD. 24890 words. Published on July 11, 2010. Nonfiction.
This book is designed to teach you the basics of index fund investing in less than one hour of reading time. It covers the basics of index fund investing. Although it was published in 1999, it was designed to be timeless and still applies to the 21st Century.
Price: $4.95 USD. 24890 words. Published on July 11, 2010. Nonfiction.
This book is designed to teach you the basics of index fund investing in less than one hour of reading time. It covers the basics of index fund investing. Although it was published in 1999, it was designed to be timeless and still applies to the 21st Century.
Frequently Asked Questions About ETFs and Index Funds
by Dale Maley
Price: $2.99 USD. 7080 words. Published on July 10, 2010. Nonfiction.
This short story explains both ETFs and Index Funds using a question and answer format. It will teach you the basics of using these low cost investments as part of your investment portfolio.
Price: $2.99 USD. 7080 words. Published on July 10, 2010. Nonfiction.
This short story explains both ETFs and Index Funds using a question and answer format. It will teach you the basics of using these low cost investments as part of your investment portfolio.
How to Build a Fascinating Ratcheting Wood Model
by Dale Maley
Price: $2.99 USD. 2240 words. Published on July 10, 2010. Nonfiction.
This short story contains the plans on how to build a fascinating ratcheting wood model. It requires an intermediate level of woodworking skill to build. You and your friends will be mesmerized watching the mechanism ratchet as you crank it.
Price: $2.99 USD. 2240 words. Published on July 10, 2010. Nonfiction.
This short story contains the plans on how to build a fascinating ratcheting wood model. It requires an intermediate level of woodworking skill to build. You and your friends will be mesmerized watching the mechanism ratchet as you crank it.
How Asset Allocation Can Help You Achieve Your Financial Goals
by Dale Maley
Price: $2.99 USD. 7470 words. Published on July 10, 2010. Nonfiction.
As a child, your mother probably told you not to put all your eggs into one basket. Asset allocation uses the same basic principle. This story story explores the definition of asset allocation and how you can use it to help achieve your financial goals.
Price: $2.99 USD. 7470 words. Published on July 10, 2010. Nonfiction.
As a child, your mother probably told you not to put all your eggs into one basket. Asset allocation uses the same basic principle. This story story explores the definition of asset allocation and how you can use it to help achieve your financial goals.
Are You Using the Right Rules to Plan Your Retirement?
by Dale Maley
Price: $2.99 USD. 8090 words. Published on July 10, 2010. Nonfiction.
The major advances in financial planning have taken place over the last twenty years. This short story explains the development of the latest rules for financial planning.This short story will help to assure that your are using the latest rules for your retirement planning.
Price: $2.99 USD. 8090 words. Published on July 10, 2010. Nonfiction.
The major advances in financial planning have taken place over the last twenty years. This short story explains the development of the latest rules for financial planning.This short story will help to assure that your are using the latest rules for your retirement planning.
Should Immediate Annuities Be a Tool in Your Retirement Planning Toolbox?
by Dale Maley
Price: $2.99 USD. 5780 words. Published on July 10, 2010. Nonfiction.
This story story explores the option of annuitizing part of your retirement portfolio to reduce the risk of outliving your money. This story helps explains the pros and cons of using immediate annuities.
Price: $2.99 USD. 5780 words. Published on July 10, 2010. Nonfiction.
This story story explores the option of annuitizing part of your retirement portfolio to reduce the risk of outliving your money. This story helps explains the pros and cons of using immediate annuities.
Who Wins the Variable Annuity Versus Mutual Fund Battle?
by Dale Maley
Price: $2.99 USD. 6750 words. Published on July 10, 2010. Nonfiction.
This short story explores the issue of variable annuities versus stock index funds so ordinary investors can determine which option is best for helping to achieve their financial goals.
Price: $2.99 USD. 6750 words. Published on July 10, 2010. Nonfiction.
This short story explores the issue of variable annuities versus stock index funds so ordinary investors can determine which option is best for helping to achieve their financial goals.
Sell My Stocks Before the Baby Boomers Crash the Market?
by Dale Maley
Price: $2.99 USD. 4880 words. Published on July 10, 2010. Nonfiction.
Will the retirement of the 67 million Baby Boomers crash the U.S. stock markets? Many people predict a stock market crash when this massive wave of people retire and sell their stocks to provide living expenses for retirement. This short story explores and predicts the impact of the retirement of the Baby Boomers on the U.S. stock market.
Price: $2.99 USD. 4880 words. Published on July 10, 2010. Nonfiction.
Will the retirement of the 67 million Baby Boomers crash the U.S. stock markets? Many people predict a stock market crash when this massive wave of people retire and sell their stocks to provide living expenses for retirement. This short story explores and predicts the impact of the retirement of the Baby Boomers on the U.S. stock market.
How Do I Determine If I Have Saved Enough to Retire?
by Dale Maley
Price: $2.99 USD. 4220 words. Published on July 10, 2010. Nonfiction.
Many people are wondering if they are saving enough for retirement. Younger people want to know how much they need to save for retirement. Those people close to retirement want to know if they have already saved enough to retire. This short story identifies the basic retirement planning process with specific examples. You can determine whether or not your retirement plan is on track or not.
Price: $2.99 USD. 4220 words. Published on July 10, 2010. Nonfiction.
Many people are wondering if they are saving enough for retirement. Younger people want to know how much they need to save for retirement. Those people close to retirement want to know if they have already saved enough to retire. This short story identifies the basic retirement planning process with specific examples. You can determine whether or not your retirement plan is on track or not.
Don't Max Out My 401K?
by Dale Maley
Price: $2.99 USD. 6160 words. Published on July 9, 2010. Nonfiction.
Contributing the maximum amount to your 401K has become the “holy grail” of the financial services industry. Several recent studies suggest that not everyone should max out their 401K. This short story explores whether or not you should max out your 401K.
Price: $2.99 USD. 6160 words. Published on July 9, 2010. Nonfiction.
Contributing the maximum amount to your 401K has become the “holy grail” of the financial services industry. Several recent studies suggest that not everyone should max out their 401K. This short story explores whether or not you should max out your 401K.
Will Reverse Mortgages be the Salvation of Baby Boomer Retirees?
by Dale Maley
Price: $2.99 USD. 3980 words. Published on July 8, 2010. Nonfiction.
Many respected studies indicate that up to half of the 67 million Baby Boomer generation have not saved enough for retirement. Many academic studies are already assuming that up to half of the Baby Boomers will utilize reverse mortgages to increase their retirement income. This short story explores the pros and cons of utilizing reverse mortgages to boost retirement income.
Price: $2.99 USD. 3980 words. Published on July 8, 2010. Nonfiction.
Many respected studies indicate that up to half of the 67 million Baby Boomer generation have not saved enough for retirement. Many academic studies are already assuming that up to half of the Baby Boomers will utilize reverse mortgages to increase their retirement income. This short story explores the pros and cons of utilizing reverse mortgages to boost retirement income.
Do I Need Ten, Twenty, or Thirty Times my Income to Retire?
by Dale Maley
Price: $2.99 USD. 5820 words. Published on July 8, 2010. Nonfiction.
The 67 million Baby Boomers start to turn 62 in 2008. These Boomers need to determine if they have saved enough to retire. Determining if you have saved enough to retire turns out to be more of an art than a science. This short story explores the pros and cons of utilizing the conventional rules for determining if you have saved enough to retire.
Price: $2.99 USD. 5820 words. Published on July 8, 2010. Nonfiction.
The 67 million Baby Boomers start to turn 62 in 2008. These Boomers need to determine if they have saved enough to retire. Determining if you have saved enough to retire turns out to be more of an art than a science. This short story explores the pros and cons of utilizing the conventional rules for determining if you have saved enough to retire.
How to Find a Good Financial Planner
by Dale Maley
Price: $2.99 USD. 5270 words. Published on July 8, 2010. Nonfiction.
The 67 million Baby Boomers start to turn 62 in 2008. Most of these Boomers will need financial planning help to determine when they can retire. They will also need help in establishing a cash stream to support them during retirement. Most Boomers will need estate planning assistance as well. This short story thoroughly explores and determines how you can find a good financial planner.
Price: $2.99 USD. 5270 words. Published on July 8, 2010. Nonfiction.
The 67 million Baby Boomers start to turn 62 in 2008. Most of these Boomers will need financial planning help to determine when they can retire. They will also need help in establishing a cash stream to support them during retirement. Most Boomers will need estate planning assistance as well. This short story thoroughly explores and determines how you can find a good financial planner.
Total Market or Slice-n-Dice for My Investment Portfolio
by Dale Maley
Price: $2.99 USD. 3580 words. Published on July 8, 2010. Nonfiction.
This short story performs an analysis to determine which asset allocation strategies performed the best over the seven year 2000-2006 time period and the longer thirty-four year period from 1972-2006. Hopefully the results of this analysis will help people choose the best asset allocation for their own portfolios.
Price: $2.99 USD. 3580 words. Published on July 8, 2010. Nonfiction.
This short story performs an analysis to determine which asset allocation strategies performed the best over the seven year 2000-2006 time period and the longer thirty-four year period from 1972-2006. Hopefully the results of this analysis will help people choose the best asset allocation for their own portfolios.
What Safety Factor Are You Using for Your Retirement Plan?
by Dale Maley
Price: $2.99 USD. 3480 words. Published on July 8, 2010. Nonfiction.
Many Baby Boomers are trying to decide if they can retire or not. In many fields of study, safety factors are used to help manage the risk of a decision. This short story explores the use of various types of safety factors for the retirement decision.
Price: $2.99 USD. 3480 words. Published on July 8, 2010. Nonfiction.
Many Baby Boomers are trying to decide if they can retire or not. In many fields of study, safety factors are used to help manage the risk of a decision. This short story explores the use of various types of safety factors for the retirement decision.
How Much Income Do I Really Need in Retirement?
by Dale Maley
Price: $2.99 USD. 2720 words. Published on July 8, 2010. Nonfiction.
Financial planners use a rule of thumb that says you will need 70% to 80% of your pre-retirement income. This short story examines this rule of thumb and apply it to four fictitious families. Hopefully the results of this analysis will help people better understand the pros and cons of using the 80% rule of thumb. This story should also help people better estimate their retirement income needs
Price: $2.99 USD. 2720 words. Published on July 8, 2010. Nonfiction.
Financial planners use a rule of thumb that says you will need 70% to 80% of your pre-retirement income. This short story examines this rule of thumb and apply it to four fictitious families. Hopefully the results of this analysis will help people better understand the pros and cons of using the 80% rule of thumb. This story should also help people better estimate their retirement income needs
Rules of Thumb or Retirement Planning Software?
by Dale Maley
Price: $2.99 USD. 4190 words. Published on July 8, 2010. Nonfiction.
There are at least five alternative methodologies people can use to plan for retirement. This short story explores and compares these five alternative methods of retirement planning. This story should be very helpful to people who are beginning to undertake serious planning for their own retirement.
Price: $2.99 USD. 4190 words. Published on July 8, 2010. Nonfiction.
There are at least five alternative methodologies people can use to plan for retirement. This short story explores and compares these five alternative methods of retirement planning. This story should be very helpful to people who are beginning to undertake serious planning for their own retirement.
How to Build a Risk Free Retirement Portfolio
by Dale Maley
Price: $2.99 USD. 2720 words. Published on July 8, 2010. Nonfiction.
This short story explores several alternative methods that people can use to design and build retirement portfolios. One alternative that is thoroughly explored is an all TIPS (Treasury Inflation Protected Securities) portfolio. If you assume the U.S. Government will never default on its bonds, then an all TIPS portfolio is essentially a risk-free portfolio.
Price: $2.99 USD. 2720 words. Published on July 8, 2010. Nonfiction.
This short story explores several alternative methods that people can use to design and build retirement portfolios. One alternative that is thoroughly explored is an all TIPS (Treasury Inflation Protected Securities) portfolio. If you assume the U.S. Government will never default on its bonds, then an all TIPS portfolio is essentially a risk-free portfolio.
Is Portfolio Rebalancing Worth It?
by Dale Maley
Price: $2.99 USD. 4300 words. Published on July 8, 2010. Nonfiction.
Rebalancing a portfolio requires effort to determine the optimum methodology for rebalancing. It also involves trading costs and potential tax costs. This short story explores the history of rebalancing and then determines if rebalancing is really worth it for the average investor.
Price: $2.99 USD. 4300 words. Published on July 8, 2010. Nonfiction.
Rebalancing a portfolio requires effort to determine the optimum methodology for rebalancing. It also involves trading costs and potential tax costs. This short story explores the history of rebalancing and then determines if rebalancing is really worth it for the average investor.
What Lessons Can We Learn from the Crash of 2008?
by Dale Maley
Price: $2.99 USD. 3820 words. Published on July 8, 2010. Nonfiction.
In 2008, we experienced one of the worst Bear markets in our lifetime. This short story explores the Crash of 2008 and determines what lessons we should learn from this experience.
Price: $2.99 USD. 3820 words. Published on July 8, 2010. Nonfiction.
In 2008, we experienced one of the worst Bear markets in our lifetime. This short story explores the Crash of 2008 and determines what lessons we should learn from this experience.
My Journey to a Diversified Portfolio of Low-Cost Index Funds
by Dale Maley
Price: $2.99 USD. 2990 words. Published on July 7, 2010. Nonfiction.
This short story documents my journey to a diversified portfolio of low-cost index funds. This short story has great advice for people who want to manage their own investments using low cost investments.
Price: $2.99 USD. 2990 words. Published on July 7, 2010. Nonfiction.
This short story documents my journey to a diversified portfolio of low-cost index funds. This short story has great advice for people who want to manage their own investments using low cost investments.
How to Invest for Retirement After the Crash of 2008
by Dale Maley
Price: $2.99 USD. 3220 words. Published on July 7, 2010. Nonfiction.
In 2008, we experienced one of the worst Bear markets in our lifetime. Many investors lost half of their portfolios and wonder if they can ever retire. This short story explores several techniques that investors can use to revise how they save and invest for retirement.
Price: $2.99 USD. 3220 words. Published on July 7, 2010. Nonfiction.
In 2008, we experienced one of the worst Bear markets in our lifetime. Many investors lost half of their portfolios and wonder if they can ever retire. This short story explores several techniques that investors can use to revise how they save and invest for retirement.
Will Your Children or Uncle Sam Inherit Your Estate?
by Dale Maley
Price: $2.99 USD. 2570 words. Published on July 7, 2010. Nonfiction.
This short story explores how to prevent Uncle Sam from inheriting your estate, compared to your children inheriting your estate.
Price: $2.99 USD. 2570 words. Published on July 7, 2010. Nonfiction.
This short story explores how to prevent Uncle Sam from inheriting your estate, compared to your children inheriting your estate.
What are the Requirements for Becoming a Financial Planner?
by Dale Maley
Price: $2.99 USD. 3990 words. Published on July 7, 2010. Nonfiction.
With the first of the 67 million Baby Boomers starting to hit age 65 in 2011, there is and will be a tremendous need for financial advisers. I want to share my Lessons Learned achieving legal status as a Registered Investment Adviser to make it easier for other people to also become financial planners.
Price: $2.99 USD. 3990 words. Published on July 7, 2010. Nonfiction.
With the first of the 67 million Baby Boomers starting to hit age 65 in 2011, there is and will be a tremendous need for financial advisers. I want to share my Lessons Learned achieving legal status as a Registered Investment Adviser to make it easier for other people to also become financial planners.
Should Municipal Bonds be a Tool in Your Retirement Planning Toolbox?
by Dale Maley
Price: $2.99 USD. 2320 words. Published on July 5, 2010. Nonfiction.
After the Crash of 2008, many investors are choosing to lower their portfolio risk. Tax free municipal bonds can be an attractive alternative to taxable bonds for several reasons. This short story explores the use of municipal bonds. It will help investors better understand how to optimize their retirement portfolio.
Price: $2.99 USD. 2320 words. Published on July 5, 2010. Nonfiction.
After the Crash of 2008, many investors are choosing to lower their portfolio risk. Tax free municipal bonds can be an attractive alternative to taxable bonds for several reasons. This short story explores the use of municipal bonds. It will help investors better understand how to optimize their retirement portfolio.
Dale Maley’s tag cloud
401k
529 plan
adviser
advisor
annuities
annuity
asset allocation
auto insurance
baby boomers
bear
bengen
bernicke
black swan
bogle
bogleheads
bogleheads retirement financial planner advisor
bonds
broke retire retirement social security
broker
bubble
bucket buckets of money retirement rebalancing income liquidationboglehead
budget
bypass trust
career
clyatt
college
college savings
conversion
convert
cost
crash
crash of 2008
digitize
disabilityinsurancefinancial planning
eia
esplanner
estate planning
etf
expense ratio
financial
financial adviser
financial advisor
financial plan
financial planner
financial planning
firecalc
fixed annuities
homeowners insurance
image
immediate annuities
income
index fund
index funds
insurance
investing
investment advisor
investment policy statement
investments
kodak
lawsuit
long term carelong term care insurancemedicaid insurance nursing home
marital trust
mechanical marvel
mechanical model
meltdown
money
monte carlo
mortgage
mortgage burning
municipal bonds
mutual funds
pension
pension plan
personal finance
phantom bond
photo
planning
portfolio
psychology
rebalancing
replacement ratio
retirement
retirement planning
retirement retirement planning asset allocation index funds
reverse mortgages
risk
safe withdrawal rate
safety factor
safety margin
save
savings
savings rate
scrapbook
slides
software
spending
subprime
tax planning
tips
trust
trusts
tuition
ugma
umbrella
umbrella insurance
vanguard
variable annuity
wealth
will
wills
woodworking